The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 361 3,270 SH   SOLE   0 0 3,270
ABBOTT LABS COM 002824100 410 4,240 SH   SOLE   0 0 4,240
ABBVIE INC COM 00287Y109 2,152 16,037 SH   SOLE   0 0 16,037
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 210 817 SH   SOLE   0 0 817
ACTIVISION BLIZZARD INC COM 00507V109 537 7,230 SH   SOLE   0 0 7,230
ADVANCED MICRO DEVICES INC COM 007903107 390 6,158 SH   SOLE   0 0 6,158
AGCO CORP COM 001084102 559 5,813 SH   SOLE   0 0 5,813
ALBEMARLE CORP COM 012653101 1,620 6,125 SH   SOLE   0 0 6,125
ALLETE INC COM NEW 018522300 309 6,175 SH   SOLE   0 0 6,175
ALPHABET INC CAP STK CL A 02079K305 769 8,040 SH   SOLE   0 0 8,040
ALPHABET INC CAP STK CL C 02079K107 928 9,648 SH   SOLE   0 0 9,648
AMAZON COM INC COM 023135106 1,331 11,781 SH   SOLE   0 0 11,781
AMERICAN ELEC PWR CO INC COM 025537101 969 11,214 SH   SOLE   0 0 11,214
ANALOG DEVICES INC COM 032654105 347 2,491 SH   SOLE   0 0 2,491
APARTMENT INCOME REIT CORP COM 03750L109 219 5,669 SH   SOLE   0 0 5,669
APPLE INC COM 037833100 1,233 8,924 SH   SOLE   0 0 8,924
APPLIED MATLS INC COM 038222105 346 4,228 SH   SOLE   0 0 4,228
ARCHER DANIELS MIDLAND CO COM 039483102 1,021 12,697 SH   SOLE   0 0 12,697
ARISTA NETWORKS INC COM 040413106 1,111 9,838 SH   SOLE   0 0 9,838
AT&T INC COM 00206R102 484 31,563 SH   SOLE   0 0 31,563
BANK MONTREAL QUE COM 063671101 766 8,735 SH   SOLE   0 0 8,735
BCE INC COM NEW 05534B760 907 21,622 SH   SOLE   0 0 21,622
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 519 1,942 SH   SOLE   0 0 1,942
BIOGEN INC COM 09062X103 204 763 SH   SOLE   0 0 763
BK OF AMERICA CORP COM 060505104 1,283 42,489 SH   SOLE   0 0 42,489
BLACKROCK INC COM 09247X101 436 792 SH   SOLE   0 0 792
BOK FINL CORP COM NEW 05561Q201 1,114 12,536 SH   SOLE   0 0 12,536
BRISTOL-MYERS SQUIBB CO COM 110122108 306 4,300 SH   SOLE   0 0 4,300
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 415 11,696 SH   SOLE   0 0 11,696
BROADCOM INC COM 11135F101 1,053 2,370 SH   SOLE   0 0 2,370
CAPITAL ONE FINL CORP COM 14040H105 302 3,278 SH   SOLE   0 0 3,278
CATERPILLAR INC COM 149123101 1,213 7,390 SH   SOLE   0 0 7,390
CENTENE CORP DEL COM 15135B101 701 9,014 SH   SOLE   0 0 9,014
CHEVRON CORP NEW COM 166764100 485 3,379 SH   SOLE   0 0 3,379
CISCO SYS INC COM 17275R102 819 20,464 SH   SOLE   0 0 20,464
COCA COLA CO COM 191216100 254 4,530 SH   SOLE   0 0 4,530
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 414 7,214 SH   SOLE   0 0 7,214
CONOCOPHILLIPS COM 20825C104 968 9,454 SH   SOLE   0 0 9,454
CONSTELLATION BRANDS INC CL A 21036P108 334 1,455 SH   SOLE   0 0 1,455
CORTEVA INC COM 22052L104 513 8,985 SH   SOLE   0 0 8,985
CULLEN FROST BANKERS INC COM 229899109 1,234 9,332 SH   SOLE   0 0 9,332
DEERE & CO COM 244199105 1,715 5,137 SH   SOLE   0 0 5,137
DIAGEO PLC SPON ADR NEW 25243Q205 880 5,184 SH   SOLE   0 0 5,184
DIGITAL RLTY TR INC COM 253868103 290 2,921 SH   SOLE   0 0 2,921
DISNEY WALT CO COM 254687106 433 4,592 SH   SOLE   0 0 4,592
DOMINION ENERGY INC COM 25746U109 261 3,774 SH   SOLE   0 0 3,774
DTE ENERGY CO COM 233331107 743 6,456 SH   SOLE   0 0 6,456
DUKE ENERGY CORP NEW COM NEW 26441C204 440 4,731 SH   SOLE   0 0 4,731
EATON CORP PLC SHS G29183103 210 1,574 SH   SOLE   0 0 1,574
ELECTRONIC ARTS INC COM 285512109 440 3,803 SH   SOLE   0 0 3,803
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 172 15,559 SH   SOLE   0 0 15,559
EQUITY RESIDENTIAL SH BEN INT 29476L107 571 8,494 SH   SOLE   0 0 8,494
EXXON MOBIL CORP COM 30231G102 305 3,488 SH   SOLE   0 0 3,488
FEDEX CORP COM 31428X106 344 2,318 SH   SOLE   0 0 2,318
FORD MTR CO DEL COM 345370860 370 33,017 SH   SOLE   0 0 33,017
GENUINE PARTS CO COM 372460105 774 5,186 SH   SOLE   0 0 5,186
GILEAD SCIENCES INC COM 375558103 571 9,248 SH   SOLE   0 0 9,248
GOLDMAN SACHS GROUP INC COM 38141G104 1,558 5,316 SH   SOLE   0 0 5,316
HOME DEPOT INC COM 437076102 942 3,412 SH   SOLE   0 0 3,412
ILLUMINA INC COM 452327109 311 1,630 SH   SOLE   0 0 1,630
IMAX CORP COM 45245E109 149 10,525 SH   SOLE   0 0 10,525
INTEL CORP COM 458140100 1,152 44,719 SH   SOLE   0 0 44,719
INTERPUBLIC GROUP COS INC COM 460690100 429 16,776 SH   SOLE   0 0 16,776
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 4,122 243,312 SH   SOLE   0 0 243,312
ISHARES INC CORE MSCI EMKT 46434G103 8,811 205,009 SH   SOLE   0 0 205,009
ISHARES TR 0-5YR HI YL CP 46434V407 19,677 492,661 SH   SOLE   0 0 492,661
ISHARES TR 0-5YR INVT GR CP 46434V100 28,080 592,406 SH   SOLE   0 0 592,406
ISHARES TR 1 3 YR TREAS BD 464287457 4,654 57,308 SH   SOLE   0 0 57,308
ISHARES TR CORE DIV GRWTH 46434V621 432 9,722 SH   SOLE   0 0 9,722
ISHARES TR CORE MSCI EAFE 46432F842 19,546 371,103 SH   SOLE   0 0 371,103
ISHARES TR CORE MSCI INTL 46435G326 2,595 53,706 SH   SOLE   0 0 53,706
ISHARES TR CORE S&P SCP ETF 464287804 1,463 16,783 SH   SOLE   0 0 16,783
ISHARES TR EAFE SML CP ETF 464288273 2,306 47,269 SH   SOLE   0 0 47,269
ISHARES TR FLTG RATE NT ETF 46429B655 15,206 302,495 SH   SOLE   0 0 302,495
ISHARES TR IBOXX HI YD ETF 464288513 3,258 45,630 SH   SOLE   0 0 45,630
ISHARES TR IBOXX INV CP ETF 464287242 4,646 45,345 SH   SOLE   0 0 45,345
ISHARES TR ISHS 1-5YR INVS 464288646 4,777 96,940 SH   SOLE   0 0 96,940
ISHARES TR ISHS 5-10YR INVT 464288638 873 18,074 SH   SOLE   0 0 18,074
ISHARES TR JPMORGAN USD EMG 464288281 16,015 201,700 SH   SOLE   0 0 201,700
ISHARES TR MSCI EAFE ETF 464287465 2,061 36,800 SH   SOLE   0 0 36,800
ISHARES TR S&P 500 GRWT ETF 464287309 33,462 578,421 SH   SOLE   0 0 578,421
ISHARES TR S&P 500 VAL ETF 464287408 41,394 322,078 SH   SOLE   0 0 322,078
ISHARES TR S&P MC 400GR ETF 464287606 329 5,224 SH   SOLE   0 0 5,224
ISHARES TR S&P SML 600 GWT 464287887 11,247 110,620 SH   SOLE   0 0 110,620
ISHARES TR SHORT TREAS BD 464288679 1,434 13,040 SH   SOLE   0 0 13,040
ISHARES TR SHRT NAT MUN ETF 464288158 3,747 36,496 SH   SOLE   0 0 36,496
ISHARES TR SP SMCP600VL ETF 464287879 24,261 294,246 SH   SOLE   0 0 294,246
JOHNSON & JOHNSON COM 478160104 1,872 11,457 SH   SOLE   0 0 11,457
JPMORGAN CHASE & CO COM 46625H100 722 6,913 SH   SOLE   0 0 6,913
KELLOGG CO COM 487836108 860 12,339 SH   SOLE   0 0 12,339
KINDER MORGAN INC DEL COM 49456B101 392 23,572 SH   SOLE   0 0 23,572
KLA CORP COM NEW 482480100 205 676 SH   SOLE   0 0 676
KRAFT HEINZ CO COM 500754106 749 22,445 SH   SOLE   0 0 22,445
LAM RESEARCH CORP COM 512807108 1,899 5,187 SH   SOLE   0 0 5,187
LILLY ELI & CO COM 532457108 2,064 6,384 SH   SOLE   0 0 6,384
LOCKHEED MARTIN CORP COM 539830109 992 2,567 SH   SOLE   0 0 2,567
MCDONALDS CORP COM 580135101 1,569 6,799 SH   SOLE   0 0 6,799
MERCK & CO INC COM 58933Y105 1,609 18,686 SH   SOLE   0 0 18,686
META PLATFORMS INC CL A 30303M102 277 2,038 SH   SOLE   0 0 2,038
MICROCHIP TECHNOLOGY INC. COM 595017104 3,140 51,451 SH   SOLE   0 0 51,451
MICROSOFT CORP COM 594918104 5,746 24,670 SH   SOLE   0 0 24,670
MONDELEZ INTL INC CL A 609207105 569 10,382 SH   SOLE   0 0 10,382
MOSAIC CO NEW COM 61945C103 415 8,595 SH   SOLE   0 0 8,595
NIKE INC CL B 654106103 471 5,665 SH   SOLE   0 0 5,665
NORFOLK SOUTHN CORP COM 655844108 1,159 5,528 SH   SOLE   0 0 5,528
NUTRIEN LTD COM 67077M108 1,346 16,141 SH   SOLE   0 0 16,141
OMNICOM GROUP INC COM 681919106 554 8,778 SH   SOLE   0 0 8,778
ORACLE CORP COM 68389X105 264 4,329 SH   SOLE   0 0 4,329
PALANTIR TECHNOLOGIES INC CL A 69608A108 82 10,144 SH   SOLE   0 0 10,144
PARAMOUNT GLOBAL CLASS B COM 92556H206 243 12,788 SH   SOLE   0 0 12,788
PAYPAL HLDGS INC COM 70450Y103 708 8,222 SH   SOLE   0 0 8,222
PEPSICO INC COM 713448108 477 2,923 SH   SOLE   0 0 2,923
PFIZER INC COM 717081103 1,537 35,132 SH   SOLE   0 0 35,132
PHILIP MORRIS INTL INC COM 718172109 644 7,756 SH   SOLE   0 0 7,756
PHILLIPS 66 COM 718546104 391 4,844 SH   SOLE   0 0 4,844
PINNACLE WEST CAP CORP COM 723484101 223 3,463 SH   SOLE   0 0 3,463
PROCTER AND GAMBLE CO COM 742718109 719 5,696 SH   SOLE   0 0 5,696
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 992 17,645 SH   SOLE   0 0 17,645
QUALCOMM INC COM 747525103 266 2,354 SH   SOLE   0 0 2,354
REGENCY CTRS CORP COM 758849103 411 7,641 SH   SOLE   0 0 7,641
RESTAURANT BRANDS INTL INC COM 76131D103 514 9,671 SH   SOLE   0 0 9,671
RPM INTL INC COM 749685103 876 10,515 SH   SOLE   0 0 10,515
SALESFORCE INC COM 79466L302 437 3,036 SH   SOLE   0 0 3,036
SANOFI SPONSORED ADR 80105N105 349 9,174 SH   SOLE   0 0 9,174
SERVICENOW INC COM 81762P102 344 910 SH   SOLE   0 0 910
SHELL PLC SPON ADS 780259305 300 6,023 SH   SOLE   0 0 6,023
SHOCKWAVE MED INC COM 82489T104 509 1,831 SH   SOLE   0 0 1,831
SMUCKER J M CO COM NEW 832696405 1,284 9,347 SH   SOLE   0 0 9,347
SNAP ON INC COM 833034101 341 1,696 SH   SOLE   0 0 1,696
SOUTHERN CO COM 842587107 507 7,462 SH   SOLE   0 0 7,462
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,293 205,144 SH   SOLE   0 0 205,144
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,138 101,100 SH   SOLE   0 0 101,100
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 952 36,524 SH   SOLE   0 0 36,524
SPDR S&P 500 ETF TR TR UNIT 78462F103 555 1,554 SH   SOLE   0 0 1,554
SPDR SER TR BLOOMBERG HIGH Y 78468R622 494 5,619 SH   SOLE   0 0 5,619
SPDR SER TR PORTFOLIO INTRMD 78464A375 5,282 168,660 SH   SOLE   0 0 168,660
SPDR SER TR PORTFOLIO SH TSR 78468R101 364 12,583 SH   SOLE   0 0 12,583
SPDR SER TR PORTFOLIO SHORT 78464A474 6,847 234,312 SH   SOLE   0 0 234,312
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,701 93,823 SH   SOLE   0 0 93,823
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,763 167,099 SH   SOLE   0 0 167,099
SPDR SER TR S&P 600 SMCP GRW 78464A201 2,134 31,326 SH   SOLE   0 0 31,326
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,790 71,337 SH   SOLE   0 0 71,337
STARBUCKS CORP COM 855244109 2,148 25,497 SH   SOLE   0 0 25,497
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 299 4,360 SH   SOLE   0 0 4,360
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 157 12,093 SH   SOLE   0 0 12,093
TARGET CORP COM 87612E106 1,263 8,511 SH   SOLE   0 0 8,511
TEXAS INSTRS INC COM 882508104 2,056 13,282 SH   SOLE   0 0 13,282
TORONTO DOMINION BK ONT COM NEW 891160509 685 11,161 SH   SOLE   0 0 11,161
TYLER TECHNOLOGIES INC COM 902252105 321 923 SH   SOLE   0 0 923
TYSON FOODS INC CL A 902494103 788 11,950 SH   SOLE   0 0 11,950
UNILEVER PLC SPON ADR NEW 904767704 275 6,273 SH   SOLE   0 0 6,273
UNION PAC CORP COM 907818108 521 2,674 SH   SOLE   0 0 2,674
UNITED PARCEL SERVICE INC CL B 911312106 866 5,358 SH   SOLE   0 0 5,358
UNITED RENTALS INC COM 911363109 670 2,481 SH   SOLE   0 0 2,481
UNITEDHEALTH GROUP INC COM 91324P102 343 679 SH   SOLE   0 0 679
US BANCORP DEL COM NEW 902973304 1,014 25,145 SH   SOLE   0 0 25,145
VALERO ENERGY CORP COM 91913Y100 219 2,052 SH   SOLE   0 0 2,052
VANGUARD INDEX FDS GROWTH ETF 922908736 1,568 7,330 SH   SOLE   0 0 7,330
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,332 9,289 SH   SOLE   0 0 9,289
VANGUARD INDEX FDS SMALL CP ETF 922908751 883 5,169 SH   SOLE   0 0 5,169
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,601 13,329 SH   SOLE   0 0 13,329
VANGUARD INDEX FDS VALUE ETF 922908744 1,730 14,013 SH   SOLE   0 0 14,013
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 573 12,915 SH   SOLE   0 0 12,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 440 12,063 SH   SOLE   0 0 12,063
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,102 28,305 SH   SOLE   0 0 28,305
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 873 24,018 SH   SOLE   0 0 24,018
VERIZON COMMUNICATIONS INC COM 92343V104 1,143 30,095 SH   SOLE   0 0 30,095
VISA INC COM CL A 92826C839 449 2,525 SH   SOLE   0 0 2,525
WALMART INC COM 931142103 536 4,129 SH   SOLE   0 0 4,129
ZIMMER BIOMET HOLDINGS INC COM 98956P102 419 4,012 SH   SOLE   0 0 4,012
ZOETIS INC CL A 98978V103 294 1,982 SH   SOLE   0 0 1,982